BBVA flexible fixed-term deposits with attractive interest rates
Fixed interest rates, yet still flexible
- Choose a term between 6 months and 5 years and secure 2.60% to 3.40% interest p.a. Interest for your balance.
- Invest between €500 and €1,000,000.
- Early termination and full or partial payout possible at any time.
To use your flexible fixed-term deposit, open your free BBVA current account!
Solid interest rates for every term
| Terms | Interest rate |
|---|---|
| Terms
Term
6 months |
Interest rate
Interest rate
2.60% p.a. a. |
| Terms
Term
12 months |
Interest rate
Interest rate 2.90% p.a. a. |
| Terms
Term
2 years |
Interest rate
Interest rate
3.00% p.a. a. |
| Terms
Term
3 years |
Interest rate
Interest rate
3.10% p.a. a. |
| Terms
Term
4 years |
Interest rate
Interest rate 3.20% p.a. a. |
| Terms
Term
5 years |
Interest rate
Interest rate
3.40% p.a. a. |
To use your flexible fixed-term deposit, open your free current account
- A current account that never charges fees and has no conditions, like a salary deposit.
- 3.5% interest p.a. on balances up to €500,000 and 3.5% cashback during the first 6 months.
- Free physical and digital debit cards included.
Achieve more and stay flexible
-
Guaranteed interest rates
Choose a term between 6 months and 5 years with an interest rate ranging from 2.60% to 3.40% p.a.
-
Legally secured
Your money is protected by the Spanish Deposit Guarantee Fund (FGD), up to €100,000 per customer.
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Easy to open
Make a deposit into your current account and easily open your flexible fixed-term deposit via the BBVA App.
-
Complete flexibility
You can partially or completely cancel your investment at any time and withdraw your money before the end of the term.
This is how you open your flexible fixed-term deposit
- Open your current account: Get started right away – it only takes a few minutes to open an account.
- Deposit money into your current account with your debit or credit card from another bank, or via transfer or cash deposit.
- Easily apply for the flexible fixed-term deposit account via the BBVA App. You can pay in between €500 and €1,000,000.
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*This offer requires that a BBVA current account be opened for the first time starting on July 1, 2026 or later and is valid for the first 6 months after opening an account. The gross interest rate is 3.5% p.a. for balances up to €200,000, with no minimum amount. For balances above €200,000 and up to €500,000, the gross interest rate is 2.25% p.a.; Balances exceeding €500,000 do not accrue interest.
Interest is calculated daily based on your account balance at the end of each day and is credited monthly.
interest after the first 6 months: After the promotional period has ended, a variable gross interest rate will apply to balances up to €500,000. Currently, this is 2.25% p.a. without further requirements or 2.75% p.a. for monthly payroll or pension payments to the BBVA current account or for monthly payments with your BBVA debit card and/or BBVA credit card(s) totaling €1,500 or more.
Balances exceeding €500,000 do not accrue interest. Interest rates are reviewed quarterly and may be adjusted. Regardless, the interest rate is always at least 25% of the ECB's applicable interest rate for its deposit facility.
Only transfers marked accordingly are regarded as payroll or pension payments; Transfers from one's own account and transfers from private individuals are not taken into account.
More information at bbva.de.
The following are excluded: fee-related BBVA card payments to the credit of financial companies and banks, cryptocurrencies, gambling and betting, payments to debt collection agencies, and cash withdrawals.